JPMorgan Chase & Co. (JPM) CEO Jamie Dimon said Tuesday said it was “probably a good thing” that credit card use is down.

Dimon - making a presentation at the Goldman Sachs Financial Services Conference in New York to analysts – said in a webcast that company’s Card Services division’s loss through the fiscal third quarter came as consumers faced high unemployment and falling home prices.

The division generated a loss of $1.9 billion on $15.2 billion in total revenue by the end of the third quarter as sales volume was down 7 percent in the same period.

“Credit card usage is down across America,” Dimon said. “[It’s] probably a good thing it’s down.”

He noted users are presently looking to pay down their debt. The company has taken losses on nearly double the number of accounts it did last year.

The total net charge-off rate for credit cards in fiscal 2009 until the end of the third quarter was 8.39 percent compared with 4.79 percent in the same period a year earlier.

The number of accounts delinquent more than 30-days was at 5.38 percent for the period compared with 3.9 percent in the year-ago period.

In a separate presentation earlier in the day, Wells Fargo CEO John Stump said most consumers are deleveraging, paying off, or refinancing debt.

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